by Martha C. White If you’re gearing up to borrow money for a car, home, or another big purchase, you already know how important it is to have a good credit score. What’s less clear, usually, is how to boost that score if you need money ASAP, and your current one leaves you with a less-than-ideal interest rate. It’s a tricky feat, to be sure. But it can be done. Your credit score has five components, and while all five are important, only one can be changed quickly.